HarborOne Bancorp (HONE) Competitors

HarborOne Bancorp (NASDAQ:HONE) and Pathward Financial (NASDAQ:CASH) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their community ranking, analyst recommendations, dividends, institutional ownership, profitability, risk, media sentiment, valuation and earnings.

Do analysts rate HONE or CASH?

HarborOne Bancorp currently has a consensus target price of $13.00, indicating a potential upside of 12.85%. Pathward Financial has a consensus target price of $92.00, indicating a potential upside of 21.16%. Given Pathward Financial's higher possible upside, analysts plainly believe Pathward Financial is more favorable than HarborOne Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
HarborOne Bancorp	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	1 Strong Buy rating(s)	2.67
Pathward Financial	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50

Which has more volatility and risk, HONE or CASH?

HarborOne Bancorp has a beta of 0.6, indicating that its share price is 40% less volatile than the S&P 500. Comparatively, Pathward Financial has a beta of 0.63, indicating that its share price is 37% less volatile than the S&P 500.

Which has higher valuation and earnings, HONE or CASH?

Pathward Financial has higher revenue and earnings than HarborOne Bancorp. Pathward Financial is trading at a lower price-to-earnings ratio than HarborOne Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
HarborOne Bancorp	$167.77M	2.96	$27.41M	$0.63	18.29
Pathward Financial	$616.00M	2.94	$168.36M	$7.41	10.25

Is HONE or CASH more profitable?

Pathward Financial has a net margin of 21.91% compared to HarborOne Bancorp's net margin of 8.61%. Pathward Financial's return on equity of 22.02% beat HarborOne Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
HarborOne Bancorp	8.61%	4.63%	0.46%
Pathward Financial	21.91%	22.02%	2.28%

Does the MarketBeat Community believe in HONE or CASH?

Pathward Financial received 68 more outperform votes than HarborOne Bancorp when rated by MarketBeat users. Likewise, 64.05% of users gave Pathward Financial an outperform vote while only 61.24% of users gave HarborOne Bancorp an outperform vote.

Company	Underperform	Outperform
HarborOne Bancorp	Outperform Votes 267 61.24%	Underperform Votes 169 38.76%
Pathward Financial	Outperform Votes 335 64.05%	Underperform Votes 188 35.95%

Is HONE or CASH a better dividend stock?

HarborOne Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 3.1%. Pathward Financial pays an annual dividend of $0.20 per share and has a dividend yield of 0.3%. HarborOne Bancorp pays out 57.1% of its earnings in the form of a dividend. Pathward Financial pays out 2.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. HarborOne Bancorp has increased its dividend for 5 consecutive years. HarborOne Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Does the media refer more to HONE or CASH?

In the previous week, Pathward Financial had 2 more articles in the media than HarborOne Bancorp. MarketBeat recorded 3 mentions for Pathward Financial and 1 mentions for HarborOne Bancorp. HarborOne Bancorp's average media sentiment score of 1.71 beat Pathward Financial's score of 1.44 indicating that HarborOne Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
HarborOne Bancorp	Very Positive
Pathward Financial	Positive

Do institutionals & insiders have more ownership in HONE or CASH?

65.0% of HarborOne Bancorp shares are owned by institutional investors. Comparatively, 92.7% of Pathward Financial shares are owned by institutional investors. 4.8% of HarborOne Bancorp shares are owned by insiders. Comparatively, 1.2% of Pathward Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Summary

Pathward Financial beats HarborOne Bancorp on 14 of the 22 factors compared between the two stocks.